Use this page as a one-stop reference for everything related to Indian Overseas Bank's KALLAVI branch in KALLAVI, TAMIL NADU. The branch's IFSC code IOBA0000982 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Indian Overseas Bank – KALLAVI is IOBA0000982. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000982 map to this branch in KALLAVI, TAMIL NADU.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Kallavi |
| IFSC Code | IOBA0000982 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ANNA SALAI,KALLAVI PIN 635304 |
| City | Kallavi |
| District | Krishnagiri |
| State | Tamil Nadu |
| STD Code | 4341 |
| Phone | 244424 |
About the bank
Indian Overseas Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kallavi branch in Kallavi, Tamil Nadu is part of this network and uses the IFSC code IOBA0000982 for all electronic settlement.
About the Kallavi branch
The Kallavi branch of Indian Overseas Bank is situated at ANNA SALAI,KALLAVI PIN 635304. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code IOBA0000982 is used.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Indian Overseas Bank's KALLAVI branch came to be assigned the code IOBA0000982.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC IOBA0000982, money simply cannot be routed to the KALLAVI branch electronically.
How to transfer money using IFSC IOBA0000982
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC IOBA0000982 across all three.
How to use IFSC IOBA0000982 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's KALLAVI branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC IOBA0000982.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as KALLAVI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to KALLAVI
If you need to transfer ₹2 lakh or more in one go to an account at Indian Overseas Bank's KALLAVI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IOBA0000982 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – KALLAVI, use IMPS. With IFSC IOBA0000982 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IOBA0000982 for Indian Overseas Bank – KALLAVI, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – IOBA0000982 | Yes – IOBA0000982 | Yes – IOBA0000982 |
For most retail customers crediting the Kallavi branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
UPI payments and IFSC IOBA0000982
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Indian Overseas Bank – KALLAVI is still mapped to IFSC IOBA0000982. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC IOBA0000982 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kallavi branch is mapped to IFSC IOBA0000982 on the RBI payments network. The branch generally supports the full retail product catalogue of Indian Overseas Bank, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains IOBA0000982.
Banking services available
The Kallavi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4341-244424.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC IOBA0000982
MICR & cheque-truncation details
Cheques drawn on the Kallavi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0000982 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC IOBA0000982
Indian Overseas Bank customers can register for net banking and the bank's official mobile app once their account at the KALLAVI branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC IOBA0000982 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Indian Overseas Bank – KALLAVI:
- The IFSC is exactly IOBA0000982 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Indian Overseas Bank as the bank name and KALLAVI as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
How to reach the Kallavi branch
The branch is located at ANNA SALAI,KALLAVI PIN 635304, which puts it inside Kallavi, the broader Krishnagiri district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “Indian Overseas Bank Kallavi branch” — the verified location pin for IFSC IOBA0000982 should appear at the top of the results.
- Confirm the branch is open by calling 4341-244424 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC IOBA0000982 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IOBA0000982 for Indian Overseas Bank – KALLAVI, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Working hours
Branch counters at Kallavi are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to IOBA0000982 continue to work without interruption.
Branch address & contact
Indian Overseas BankKallavi Branch
ANNA SALAI,KALLAVI PIN 635304
Kallavi, Tamil Nadu
Phone: 4341-244424
IFSC: IOBA0000982
Frequently asked questions
Does Indian Overseas Bank Kallavi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 4341-244424 to confirm.
Is IFSC IOBA0000982 valid for NEFT and RTGS?
Yes. IFSC IOBA0000982 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Indian Overseas Bank Kallavi branch?
You can reach the branch at 4341-244424 during regular banking hours.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Kallavi branch but serve different purposes.
Is IFSC IOBA0000982 the same for all accounts at Kallavi branch?
Yes. The IFSC IOBA0000982 is shared by every account held at Indian Overseas Bank's Kallavi branch. Only the account number changes from customer to customer.
How do I add Indian Overseas Bank Kallavi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IOBA0000982, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC IOBA0000982 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IOBA0000982 to send funds instantly.
How quickly will an NEFT transfer using IOBA0000982 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Kallavi reflect within 30 minutes.
Final notes
To recap: IOBA0000982 is the IFSC code of Indian Overseas Bank, KALLAVI branch, in KALLAVI, TAMIL NADU. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
